Rates for a Relaxed Retirement

Easy to open and simple to manage, UFCU Individual Retirement Accounts (IRAs) grow your retirement nest egg by continually earning you compounded dividends and saving you money on taxes. All UFCU IRAs are federally insured to a maximum of $250,000, so you can feel secure in your savings.

Fixed-Rate IRA

Regular$1,000–$99,999

Jumbo$100,000 & More

Term

Rate

APY

Rate

APY

3 Month

0.100%

0.10%

0.349%

0.35%

6 Month

0.250%

0.25%

0.499%

0.50%

12 Month

2.129%

2.15%

2.374%

2.40%

24 Month Step-Up

2.374%

2.40%

2.618%

2.65%

24 Month

2.521%

2.55%

2.765%

2.80%

36 Month

2.618%

2.65%

2.862%

2.90%

48 Month

2.716%

2.75%

2.960%

3.00%

60 Month

2.960%

3.00%

3.203%

3.25%

Effective Date: September 14, 2018

Variable Rate IRA

Term

Rate

APY

Variable

0.250%

0.25%

Effective Date: October 1, 2012

Cash In on Tax-Deferred Contributions

A traditional IRA allows you to defer taxes on your IRA contributions until retirement, when you withdraw your funds. Your contributions are still tax deductible in the tax year during which they are made, so you’ll benefit from saving every step of the way.

Pay Today, Withdraw Worry-Free

If you expect to be in a higher tax bracket when you retire, consider a UFCU Roth IRA. A Roth IRA is a non-deductible account that allows you to pay taxes on your contributions now, so you can withdraw your funds free and clear (for qualifying distribution reasons) after a five-year holding period. And deposits are allowed at any time, without required distribution based on IRA age.